I worry that providing the money upfront (if I'm understanding the details correctly) will create potential problems down the road if people use the extra money to purchase homes they can't afford.

This renters pay on time and this will be their 3rd year to renew, they just want extra repairs to be done to property.

Here's an article with some examples: https://finance.yahoo.com/personal-finance/one-extra-mortgag...You can also search for "early mortgage payoff calculator" and enter your own numbers to see how extra payments impact your mortgage.

The cash flow to LL using PM for STR is not substantially different after including extra expenses than an LTR.  

You are right going about this alone is difficult . I

They have actually paid down extra principal every month.

However, it also faces economic difficulties, high vacancy rates, and  slower property appreciation compared to booming markets.If you're an out-of-state investor without local contacts, examining census data can provide valuable insights into Youngstown, Ohio.

I want to scale, but all of these loans make it very difficult. I

Many sellers were skeptical of FHA financing because of all the extra steps.

I spent some extra time to carefully craft my answer to be as much positive and as less negative that I could I still got and rude and arrogant answer back suggesting that I don't know what I'm talking about.